I totally agree.
My child and I both have very low immune systems and we catch everything. He gets over everything quickly, but I don't. I never used to have a problem, but the past 3 years have been completely brutal on me. I'm not sure if it's just been bad luck, if we have a medical issue, or if the bugs are just worse, but if I am near anyone who remotely sniffles I just want to cry because I know what's coming. I wish people would freaking stay home when they are sick.
I used to be a big believer in "kids have to get sick so they build up immunity". My older twins (18) were rarely sick as a child. So I don't know what's changed with my youngest to make him so sick all the time, but it's turned me into a total germaphobe.
I have a big fear of people bringing that crap on a ship. As you said, I wish Disney were more careful about how they word things but I would imagine, 90% of the sick people will lie to get on the ship and not lose their vacation.
I took the
DCL insurance because if we are sick, we are NOT getting on board. I will take that full credit and go another time. Otherwise, I will bring the wipes and hope for the best that we don't catch it from someone else on board.